Mhando ipi neipi yekambani yemari inogona kutumirwa kune rejeri rekuunganidza kana iwe ukava kudarika pamitero. Apo iyo nhoroondo inosvika kune zvitsva , iyo inowanzoiswawo pane yakanyorerwa mushumo wekwereti uye yakashandiswa kuverenga chikoro chako chekwereti. Zvinosuruvarisa, chikwereti chikoro chinowedzera pasi chikwereti chako uye chinogona kuramba chichikanganisa chikoro chako kunyange mushure mokubhadhara chikamu.
Mashoko akanaka ndeokuti mamwe mapurogiramu matsva ekukwereta zvikwereti zvikwereti haafaniri kufunga nezvechikwereti kuunganidza mauto pasi pe $ 100 uye kwete kukutengesa zvakanyanya sezvikwereti zvemari chikwereti.
Kunyangwe zvakadaro, zviremara izvi zvinogona kukuteverai kwemakore, zvichikuvadza kukwanisa kwako kugamuchira mvumo yezvitsva zvemakadhi, zvikwereti, nezvimwe zvikwereti zvekwereti.
Ndinofara, chikwereti chikoro hachizove pane chikwereti chako chekwereti nokusingaperi. Iko Fair Credit Reporting Act inoda kuti zvikwereti zvikwereti zvisike mushumo wako wekwereti mushure memakore manomwe. Kana iwe uine mutongo unobva kune chikwereti chekuunganidza chikwereti, mutongo usingabhadharwi unogona kuramba uri pamushumo wako wekwereti kusvikira mutemo wekukwanisa kwehurumende yako kubuda. Ndiko kana mutemo wekupera kusingaperi kupfuura makore manomwe.
Ndeipi Iyo Kuzivisa Nguva Kunogumira Kutanga?
Nguva yekukwereta chikwereti nguva yekuunganidza zvikwereti inotangira kubva musi wekudarika kwakakonzera kukohwa. Nekokuunganidza kunokonzerwa nemhosva- inotanga, inotanga musi iyo iyo yenyaya yakabhadharwa-yakaregwa (kwete musi wekutanga kwemazuva 30 kubhadhara kusati kwasara kusati kwasara). Saka, kana iwe wakatanga kusvika munaFebruary 2013 uye iyo nhoroondo yakabhadharwa muna July 2013, iyo nhoroondo inofanira kuwira shure kwaJuly 2020.
Chikwereti chekupa chikwereti chikamu chemari yekuunganidza chikwereti chakavakirwa pamararamiro ako neavo vatora chikwereti chekutanga, kwete apo muteresi wevatengesi akatanga kutora chikwereti. Zvimwe shanduro yemutero wako wekwereti inogona kusanganisira kupupurirwa kunoratidza apo kukohwa kuchawa pamushumo wekwereti yako, semuenzaniso "... inorongwa kuparidzira kusvikira 06/2017."
Nenguva Iko Kuunganidza Kubhadharwa Kuzoerera Kwazvo Mari Yako Yenyaya?
Kunyange zvazvo zviri nani kubhadhara chikwereti chekubhadhara , zvinosuruvarisa, kubhadhara hakubvisi kambani kubva kumushumo wako wekwereti kunze kwekuti iwe uchitaurirana kare kuti kubvisa kambani kubhadhara. Kunze kwekuti iwe uchitaurirana mubhadharo kuti usabvumirane chibvumirano , kukohwa kuchagara pane chikwereti chako chekwereti kune yose chikwereti chekuzivisa chikwereti nguva uye chikamu chinofanira kuendeswa ku $ 0. Iko kubhadhara mari inenge iri nani kune chikwereti chako uye ichaona zviri nani apo iwe unoshandisa chikwereti chitsva.
Zvisiri Zvitanhatu Zvisirizvo Pamusoro Pokunge Makokoro Achawa
Pane dzimwe pfungwa dzakawanda dzinowanzozivikanwa pamusoro pezvinoitika zuva raunoungana naro richawa pamushumo wekwereti yako. Yeuka kuti nguva yekuunganidza nguva yekukwereta inobva mukudengenyeka kwakatungamirira kune chikwereti chako chekuunganidza uye pasina rimwe zuva kana basa.
- Chiito chekuunganidza , sekubhadhara, urongwa hwokubhadhara, kana kutaurira mutori pamusoro pekwereti. Izvi hazvizotangi nguva yekuzivisa nguva yekukwereta zvikwereti. Izvo hazvo zvisinei zvinosanganisira mutemo wekukundikana iyo nguva yakasiyana yakatarisa kuwanda kwewaka nguva muteresi anokwanisa kukupomera iwe chikwereti.
- Kare kutora nguva . Ngatiti iwe waiva mazuva makumi matatu kana makumi matanhatu apfuura nekuda kwebhuku munaJune 2014 asi wakabata zvikwereti uye wakabhadharwa nenguva kwemwedzi mishomanana. Iwe iwe iwe wakadzoka zvakare muDisemba 2014, hauna kumbove ikozvino, uye iyo nhoroondo yakabva yatumirwa kusangano rekuunganidza. Iko kutanga kwekubhadhara kwakapera munaJune hazvibatsiri musi wekusvitsa kwacho kuchawa pamushumo wekwereti yako nokuti wakadzosa kero yako kuti ive yakanaka. (Izvozvi zvinotora nguva ine makore manomwe ekutaurira zvikwereti zvakare, asi zvichazoonekwa nekambani yekambani yekare, kwete chekuunganidza chikwereti.) Ndiyo yepiri yekubhadharwa kwakatangira iyo nguva yekuunganidzwa kunowira pasi pekwereti chako chekwereti .
- Zuva iro sangano rekuunganidza rakazotora chikamu . Muhupenyu hwose hwechikwereti chako chekuunganidza, mapurisa akasiyana anogona kuunganidza pane account. Izvi zvinogona kuonekwa pamushumo wekwereti yako, asi zuva rekuparara haritomboshanduki sezvo rakabva apo iyo yekutanga yekodha. Kana sangano rinounganidza richitaura musiyano wakasiyana-siyana, iwe unogona kukakavadza kukanganisa uye zvichida kunyange kupomera sangano rinounganidza kuputsa mutemo we Federal.
- Zuva iro iyo nhoroondo yakavhurwa , kunze kwekuti iwe wakazarura kambani uye usati wambokubhadhara. Izvi zvinogonawo kuva mhaka yezvinhu zvakadai sechikwereti chechiremba apo iwe unokweretwa musi iwoyo iwe unogamuchira rubatsiro.
- Zuva iro iyo nhoroondo yakavharwa haigone kuitika kana chikoro chichanyangarika mubhuku rako rekwereti.
- Zuva iro iyo nhoroondo yakagadziriswa uye haina kuchinja zuva iro kukohwa kuchabviswa.
Kana uri kushamisika apo imwe kero yekusungirirwa ichanyarara kubva kumari yako yeripoti, dhonza kopi yemugumo wako. Iwe unogona kuwana rusununguko kubva pagorecreditreport.com kana iwe usati watova gore rino. Ongorora nhoroondo yekambani yekutanga kuti uone zuva rekudarika uye kuwedzera makore manomwe kusvika musi iwoyo. Ndizvo zvaunogona kutarisira kuti kambani yekuunganidza idzike.